I finally got loan mod after writting to OOP. It actually only took 3 weeks from initial email to OOP...however, the loan mod doc's were signed in Feb.2009, BOA denied them and finally accepted them but they still say I am about $3000 late fees, they are missing 2 payments I made, WTF??? Now the senior Negotiator I had sends me to escrow dept, escrow sends me to some dept to recoup lost monies, same old run around. Except I have a higher loan balance and the payments are higher that before the mod because of these extra taxes that I paid(it raised the balance of our loan) and they are telling me to pay again. Sorry I just needed to vent! I just hope everyone here on this site documents everything and everyone they have talked to. Anyone else have different terms when it is all said and done?